Emergency Breakdown. How we can help. When we cannot help. Cancellation Provisions. Complaints Procedure. Governing Law. Language

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1 Emergency Breakdown Your policy schedule will show if you have selected this cover (Underwritten by Ageas Insurance Limited) This emergency breakdown service is provided by Call Assist LTD and underwritten by Ageas Insurance Limited. To make sure that you get the most from your cover, please take the time to read the documentation sent to you, which explains the policy between you and us. We suggest you keep this document in a safe place as you will need to refer to it in the event of a breakdown or accident. If you have any questions or would like more information, please contact Castle Cover. How we can help We are here to help you 24 hours a day, 365 days a year. In the event of a breakdown in the UK, call our Motor Assistance helpline on If section 3 is operative and you have a breakdown in Europe, call our Motor Assistance helpline on +44 (0) If you are deaf, hard of hearing or speech impaired, please send a text message containing your full name, policy number, vehicle registration and policy postcode to Please refer to your documentation for operative sections. When calling please provide the following information: Policyholder s name Registration number of the vehicle Make, model and colour of the vehicle Nature of the breakdown and location of the vehicle. A Motor Assistance operator will arrange for one of our approved agents to come to your assistance as quickly as possible. It is important that you contact our Motor Assistance centre as soon as possible after the breakdown. We will not cover any call-out charges and labour costs unless we have given our agreement. All telephone calls to us are monitored and recorded as part of our training and quality assurance programmes. When we cannot help Our approved agents cannot always work on your vehicle if it is unattended. Please do not arrange assistance before we have agreed. If you do, we will not pay the costs involved. Cancellation Provisions You may cancel your policy within 14 days of either receipt of your policy documents or the inception/renewal date of your policy (whichever is later) with a full refund of premium (providing no claims have been made). In order to cancel, please telephone the Customer Services number or write to Customer Services, Castle Cover, Deansleigh House, Deansleigh Road, Bournemouth BH7 7DU. You can also cancel your policy at any other time and you will receive a partial refund of premium proportionate to the unexpired period of your policy providing you have not made a claim. Complaints Procedure If you are unhappy with the service that has been provided by Castle Cover (including information or documentation issued to you), you should contact them as follows: In writing: Customer Relations Manager Castle Cover Deansleigh House Deansleigh Road Bournemouth Dorset BH7 7DU By telephone: Or by customerrelations@castlecover.co.uk If your complaint is about the service provided by Call Assist LTD you can contact them in the following ways: In writing: Customer Services Call Assist LTD Axis Court North Station Road Colchester Essex CO1 1UX By telephone: Or by customerservices@call-assist.co.uk Castle Cover /Call Assist LTD will try to resolve your complaint by the end of the third working day and they will send you a summary resolution letter. If they are unable to do this, they will write to you within five working days to let you know what they are doing to resolve your complaint and let you know who is dealing with the matter. Within eight weeks of them receiving your complaint, you will receive a final response or, if this is not possible, a reason for the delay plus an indication of when a final response will be provided. You have the right to ask the Financial Ombudsman Service to review your complaint, free of charge, if for any reason you are still dissatisfied with either the summary resolution or final response letter, or if Castle Cover/Call Assist LTD have not issued their final response within eight weeks from you first raising the complaint. However, you must do so within six months of the date of the summary resolution or final response letter. You can contact the Financial Ombudsman Service as follows: In writing: Financial Ombudsman Service Exchange Tower London E14 9SR By telephone: (free from landlines) or (free from some mobile phones) Or by complaint.info@financial-ombudsman.org.uk Web: Please note that if you do not refer your complaint within the six months, the Ombudsman will not have Castle Cover or Call Assist LTD s permission to consider your complaint and therefore will only be able to do so in very limited circumstances. For example, if it believes that the delay was as a result of exceptional circumstances. Following the above complaints procedure does not affect your right to take legal proceedings. Governing Law This policy will be governed by English law, and you and we agree to submit to the non-exclusive jurisdiction of the courts of England and Wales unless you live in Jersey in which case the law of Jersey will apply and the Jersey courts will have exclusive jurisdiction. Language The contractual terms and conditions, and other information relating to this contract will be in the English language.

2 Financial Services Compensation Scheme (FSCS) Call Assist Ltd and Ageas Insurance Limited are covered by the Financial Services Compensation Scheme (FSCS). If they cannot meet their obligations you may be entitled to compensation under the scheme. For this type of policy, the scheme covers at least 90% of any claims with no upper limit. More information can be obtained from Definitions These definitions replace those found on page 5 in your policy and apply only to the Emergency Breakdown. We/Us/Our Call Assist Limited, Registered in England and Wales. Registered Company Number: Registered office address: Axis Court, North Station Road, Colchester, Essex CO1 1UX. Call Assist Limited, Firm Reference Number is authorised and regulated by the Financial Conduct Authority. Ageas Insurance Limited Ageas Insurance Limited, Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Ageas Insurance Limited registered in England and Wales No Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. You/Your The person who has taken out this policy. Insured person(s) You, and any passenger or driver who is in the vehicle with your permission at the time of the breakdown. Vehicle The vehicle declared to us. Cover extends to include any caravan or trailer attached to the vehicle at the time of the breakdown. The vehicle, excluding any caravan or trailer, must not weigh more than 3.5 tonnes gross vehicle mass or be over 5.5 metres (18 feet) in length, over 3 metres (9 feet 10 inches) high, or over 2.3 metres (7 feet 6 inches) wide. Any caravan or trailer attached to the vehicle must not weigh more than 3.5 tonnes gross mass, exceed 7.6 metres (25 feet) in length, exceed 3 metres (9 feet 10 inches) in height or exceed 2.3 metres (7 feet 6 inches) in width and must be fitted with a standard 50mm ball coupling. Territorial limits: UK area The United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands. European area Andorra, Austria, Balearics, Belgium, Bulgaria, Canary Isles, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey (for non-residents) Hungary, Iceland, Italy, Jersey (for non-residents), Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Sardinia, Sicily, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, and Vatican City. Breakdown 1. Mechanical or electrical failure; or 2. Accidental damage, or damage caused by vandalism, fire, theft or attempted theft; which stops your vehicle moving. Period of cover The period for which we have agreed to cover you. Please note that there is no cover for any breakdown within the first 48 hours following your initial purchase of this policy. Replacement parts Those mechanical or electrical components that are essential to return the vehicle to a roadworthy condition. Trip A journey abroad in the vehicle to the countries of the European area, commencing and ending in the UK area. Please note: Cover under Part B applies door-to-door, so all the appropriate benefits apply within the UK area during your direct journeys between home and the port or international rail terminal. You will be asked to demonstrate that you are planning or undertaking a journey abroad, for example by quoting a Channel crossing or accommodation booking reference. Hire or reward Any public or private hire which includes any payment in cash or kind by (or on behalf of) passengers which gives them a right to be carried, excluding car sharing schemes. Cover You are covered for the assistance services in this policy for a maximum of six breakdowns during the period of cover if you have paid your premium. We agree to provide the assistance services in this policy keeping to the terms, conditions and exclusions as long as the breakdown happens during the period of cover and within the territorial limits. After we have dealt with your sixth breakdown, your policy becomes void. In such circumstances or if the service you require is not provided for under the terms of this policy, we will try if you wish to arrange it at your expense. The terms of any such assistance are a matter for you and your supplier. Assistance services under this policy PART A For motoring within the UK area only. Cover applies as described in Sections 1 & 2. Section 1 - Motor Recovery Cover under this section is also available to Motor Recovery Plus and Motor Recovery Gold policies. 1. Emergency roadside repairs We will pay the call-out charge and up to one hour s roadside labour costs for one of our approved repairers. The breakdown must occur at least one mile from your home. 2. Vehicle recovery If your vehicle cannot be repaired within one hour at the scene of the breakdown, we will pay for the cost of transporting your vehicle and insured person(s) to a single destination, being either: a) the nearest repairer; or b) if the insured person wishes, their home address, provided it is nearer. a) roadside labour charges in excess of one hour b) any labour charges incurred at the repairer s premises c) the cost of replacement parts or other materials used in the repair d) toll and sea transit charges for the vehicle. 3. Emergency message service We will forward a message to a member of your family, friend or work colleague if you would like in the event of a claim under this policy.

3 Section 2 - Motor Recovery Plus Cover under this section is also available to Motor Recovery Gold policies. What is covered: 1. Doorstep Cover Doorstep provides all benefits and exclusions as stated under Section 1 Emergency roadside repairs at or within a mile of your home address. 2. Getting you to your destination If your vehicle cannot be repaired on the same day as the breakdown, we will either: a) onward travel pay the cost of transporting your vehicle or insured person(s) or both to a destination(s) within the UK area provided that the insured person(s) are transported to the same destination; or b) temporary hire car arrange and pay the cost of hiring a category A vehicle for up to 24 hours, to allow the insured person(s) to continue their journey to a destination within the UK area. We will pay for rental charge of up to a Category A vehicle only, collision damage waiver and any necessary drop-off charge, but you remain responsible for the cost of any fuel used. Please note: You will be responsible for any damage to the replacement vehicle and any excess imposed by the hire car provider. You must be able to satisfy the requirements of the hire car providers, as to an acceptable driving licence and minimum driver age. They will also require sight of your credit/charge card before releasing the replacement vehicle to you; or c) while the vehicle is being repaired arrange transport for insured person(s) to travel to a hotel. You will have to pay for the cost of this, and the hotel costs; but we will reimburse you up to 50 per person per night for accommodation. The most we will pay for transport to the hotel and the cost of hotel accommodation is 300 for any one breakdown. You must pay the hotel bill, but we will pay you back on receipt of the relevant bill(s) subject to the 300 limit for any one breakdown. You must send us all the relevant invoice(s) before we will reimburse you. At all times we decide on the best way of providing help. a) any costs which you would have had to pay during your journey if you had not claimed under this section of the policy. For example, the cost of meals and other food or hotel costs which you had already planned to pay. b) toll and sea transit charges for the vehicle. c) long-distance transport of the vehicle to the premises where the vehicle was purchased or previously repaired, solely to claim under a Warranty scheme, when a suitable alternative repairer is nearer to hand. d) fines, parking charges and any congestion charges arising from use of a replacement vehicle. PART B Motor Recover Gold. For motoring within the European area only, or your direct journeys between your home and your port or international rail terminal. Cover applies as described in Sections 3. Section 3 - Motor Recovery Gold Cover under this section is available to Motor Recovery Gold policies only. Cover included under Motor Recovery and Motor Recover Plus is also available to Motor Recovery Gold policy holders. This Section only applies if your vehicle is under 10 years old. The most we will pay for all claims arising from any one breakdown is 3,000. What is covered: 1. Cover prior to departure If the vehicle is immobilised or rendered unroadworthy as a result of a breakdown occurring during the seven days immediately preceding your arranged date of departure for a trip, and it cannot be repaired or is not recovered prior to the arranged date of departure, we will pay up to 750 in total under this policy to enable you to continue your originally planned trip. We will pay for the following: a) The hire of a suitable replacement vehicle, where available, for the purpose of carrying out the original trip (including rental charge, collision damage waiver and any necessary drop-off charge). Please note: you will be responsible for any damage to the replacement vehicle and any excess imposed by the hire car provider. OR b) The additional cost of rebooking any sea crossing missed as a result of the breakdown giving rise to a claim (or, where the original route is unavailable, the nearest suitable alternative sea crossing). Any claim involving the hire of a replacement vehicle must have our prior approval. You must contact us as soon as you know your vehicle may be unavailable for the planned trip. Your claim must be supported by a letter from a garage confirming: - the regular maintenance and servicing of your vehicle; - precise details of the breakdown; - the breakdown, when occurring, was sudden and unforeseen; - repairs cannot be effected before the date planned for you to begin your trip. a) any claim under this section resulting from a breakdown if you have purchased this cover less than TEN days before the planned date of departure of your trip. b) any claim under this section when actual or imminent breakdown of your vehicle is discovered or diagnosed in the course of a service carried out less than TEN days prior to your planned date of departure. c) loss of use of a vehicle hired to you. d) the cost of fuel and oil used in any replacement vehicle. e) the cost of any Personal Accident insurance or other benefit not specifically covered under this policy. f) fines, parking charges and any congestion charges arising from use of a replacement vehicle. g) Trips solely within the UK area. 2. Emergency roadside assistance We will pay the call-out charge and up to one hour s roadside labour costs for one of our approved agents to attend the scene of the breakdown, and where possible, carry out emergency repairs. 3. Vehicle recovery If your vehicle cannot be repaired within one hour at the scene of the breakdown, we will pay for the cost of transporting your vehicle and insured person(s) to the nearest repairer. 4. Getting you to your destination If your vehicle cannot be repaired on the same day as the breakdown, we will either: a) onward travel pay the cost, up to the value of your vehicle, of transporting the insured person(s) to a destination within the European area provided that the insured person(s) are transported to the same destination; or b) temporary hire car arrange and pay the cost of hiring a replacement vehicle while the vehicle is being repaired, but the most we will pay for any one claim is 750; or c) hotel accommodation arrange transport for the insured person(s) to travel to a hotel. You will have to pay for the cost of this, and the hotel costs; but we will reimburse you up to 50 per person per night for accommodation while the vehicle is being repaired. The most we will pay for transport to the hotel and the cost of hotel accommodation is 500 for any one breakdown. You must pay the hotel bill, but we will pay you back on receipt of the relevant bill(s) subject to the 500 limit for any one breakdown. You must send us all the relevant invoice(s) before we will reimburse you.

4 5. Vehicle Repatriation In addition to Section 4, if the vehicle is lost, immobilised or rendered unroadworthy during a trip as a result of a breakdown, we will pay: a) The cost of transporting you, with your hand luggage and valuables, to your home address in the UK area if the vehicle cannot be and could not have been repaired (or, in the case of theft, has not been recovered in a roadworthy condition) by the intended time of your return home. The means of transport to be employed shall be at our discretion and subject to availability. b) The cost of transporting the vehicle to your home address or repairer in the UK area if repairs cannot be carried out abroad (or the vehicle, if stolen, has been recovered but not in a roadworthy condition), by the intended time of your return home. c) We will pay for necessary garage storage costs and costs of transportation and delivery, including any additional shipping costs. OR When agreed in advance by us, we will pay the cost of one person to travel to the location of the vehicle by public transport to drive the repaired vehicle to your home address in the UK area. The maximum we will pay under this policy to repatriate the vehicle will be limited to its current market value in the UK area. Vehicle repatriation will only be carried out when it is apparent that repairs can be effected in the UK area, and when you confirm to us that these repairs will be put in hand. If you are repatriated by us, we will pay the cost of transporting your personal possessions, other than hand luggage and valuables, to your home address either together with or separately from the vehicle. If a replacement vehicle has been provided, once the vehicle has returned to the policyholders home address within the UK area, it will no longer be covered irrespective of whether the original vehicle is still in the process of repatriation. a) charges for any labour not incurred at the roadside. b) the cost of replacement parts or other materials. c) any winching costs or the use of specialist off-highway-recovery equipment. d) the cost of fuel and oil used in any replacement vehicle. e) the cost of any optional Personal Accident insurance or other benefit not specifically covered under this policy. f) costs incurred outside the period of the trip. g) fines, parking charges and any congestion charges arising from use of a replacement vehicle. h) trips solely within the UK area. i) repatriation of vehicle occupants injured in an accident involving the vehicle. At all times we decide on the best way of providing help 6. Replacement Parts Despatch If the vehicle needs replacement parts during a trip outside the UK area and these are not available locally, then on receipt of your instructions we will undertake to obtain them elsewhere, and will pay all freight charges involved in despatching them to the location of the vehicle. The maximum we will pay under this section will be 600. Please be aware there may be some delay in despatching replacements parts. We will endeavour to provide the replacement parts required but we can give no guarantee that they will be available, especially in the case of older vehicles where parts may be impossible to locate. We will pay the cost of location and transport of the replacement parts. The actual cost of the parts and any Customs Duty must be paid to us by you by a debit to your credit or charge card or by a prior deposit of funds in the UK area. When you are invoiced for a surcharge subject to the return of the old unit or part, you must return the defective part at your own expense to the supplier. If you instruct us to obtain replacement parts and these are not subsequently required, or you do not await their arrival, or you have instructed us to order incorrect replacement parts, you will be responsible for the net cost of such parts, including all forwarding charges arising from their return and also any further delivery charges for the correct part. If you request a repairing garage or dealer to specify replacements parts then the instructions from the garage or dealer will be treated as coming from you. a) the actual costs of any parts. b) trips solely within the UK area. c) Forwarding charges in excess of the market value of the vehicle. d) Forwarding charges for non-essential replacement parts. e) Any costs that exceed 600. General Exclusions applying to all sections 1. The breakdown of your vehicle: - occurring within 48 hours following your initial purchase of this policy, or; - if it has knowingly been driven in an unsafe or unroadworthy condition; or - which has resulted from lack of oil, fuel or water; or - which occurs while your vehicle is being used for motor racing, trials, rallying or is used for hire or reward or courier services. 2. The cost of: - any storage charges. You will be responsible for any vehicle storage charges incurred when you are using our services; or - spare or replacement parts, fluids or fuel or any other materials used in repairing your vehicle; or - any other repairs except those at the scene of the breakdown; or - replacing broken windows or keys or finding missing keys; or - ferry crossings (under sections 1 & 2), parking charges, congestion charges, fines or toll charges. - loss of or damage to contents of the vehicle; or - telephone calls when contacting us. Wherever possible we will call you back as soon as possible; or - any direct or indirect loss of any kind arising from the provision of, or any delay in providing, the services which this policy relates, unless negligence on our part can be demonstrated. An example of this would the loss of wages as a result of a breakdown; or - of draining or removing contaminated fuel or other fluids. We will arrange local recovery, but it will be your responsibility to pay for any work carried out; or - locksmiths, glass replacement or tyre specialists; or - any costs which you would have had to pay during your journey if you had not claimed under this section of the policy. For example, the cost of meals and other food or hotel costs which you had already planned to pay. 3. Any charges arising from an insured person s failure to comply with our instructions in respect of the assistance being provided. 4. Any costs incurred before you have notified us of the breakdown. 5. Any vehicle which cannot be recovered by a standard trailer or transporter. 6. The recovery of a caravan or trailer on tow which exceeds 3.5 tonnes gross vehicle mass, 7.6 metres (25 feet) in length, 3 metres (9 feet 10 inches) in height, 2.3 metres (7 feet 6 inches) in width or is not fitted with a standard 50mm ball coupling. 7. Breakdowns caused by, contributed to by or arising from: - ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or - the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of it; or - war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, military force or coup; or - pressure waves caused by aircraft or any other airborne devices

5 travelling at sonic or supersonic speeds. 8. Apart from us, the insured person is the only person who may enforce all or any part of this policy and the rights and interests arising from or connected with it. This means that the Contracts (Rights of Third Parties) Act 1999 does not apply to any third party rights or interests. 9. Any claim directly or indirectly caused by or indirectly caused by or resulting from any device failing to recognise, interpret, or process any date as its true calendar date. 10. Any subsequent callouts for any symptoms related to a claim which has been made within the last 28 days, unless your vehicle has been fully repaired at a suitable garage, declared fit to drive by the recovery operator or is in transit to a pre-booked appointment at a suitable garage. 11. Specialist Equipment, additional manpower and/or recovery vehicles, or a recovery further than 10 miles from the scene of the breakdown if your vehicle is immobilised due to snow, mud, sand, water, ice, or a flood. 12. Any deliberately careless or deliberately negligent act or omission by you. 13. Any winching costs or specialist off-highway-recovery equipment. Any vehicle or equipment used other than a standard recovery vehicle which is required to move a vehicle which has left the highway or is overturned or without wheels, would be considered as specialist. Once the vehicle has been recovered to a suitable location, normal service will be provided. 14. Assistance following a breakdown or accident attended by the police or other emergency services until they have authorised the vehicles removal. Conditions 1. You must answer all questions about this policy honestly and fully at all times. You must also tell us straight away if anything that you have already told us changes. If you do not tell us, your policy may be cancelled and any claim you make may not be paid. 2. An insured person must keep to the terms and conditions of this policy. You must make no admission, offer, promise or payment without our prior consent. In order to benefit from the cover, an insured person or member other than the Policyholder must agree to abide by all the relevant terms, conditions and exclusions of this policy. 3. At all times during the period of cover, the vehicle must be maintained in a roadworthy condition and regularly serviced. 4. If you fail to satisfy the terms of your policy, we may choose to cancel your policy during the period of cover by giving you 14 days written notice of cancellation to the last address you provided us with. Examples of when we might do this includes you not paying a premium instalment when due, us discovering that your vehicle is no longer eligible for cover, etc. You can cancel this policy at any time. If the policy is cancelled because we have covered you for six breakdowns in the period of cover, we or Ageas Insurance Limited will not refund any premium you have paid. 5. An insured person must be present with the vehicle when the approved agent arrives. 6. We will make every effort to apply the full range of services in all circumstances dictated by the terms and conditions. Remote geographical locations or unforeseeable adverse local conditions may preclude the normal standard of service being provided. In all cases where such difficulties exist, the full monetary benefits of the insurance cover will apply. 7. The transportation of any animal or livestock is undertaken solely at our discretion and we accept no liability for the safety or welfare of any animal or livestock during its transportation. 8. We or Ageas Insurance Limited will not pay for any loss that is not directly covered by the terms and conditions of this policy. For example we or Ageas Insurance Limited will not pay for loss of income from taking time off work because of a breakdown, or loss from cancelled or missed appointments. 9. We or Ageas Insurance Limited will not pay any claim covered under any other policy, or any claim that would have been covered by any other policy if this policy did not exist. 10. Nothing in this policy limits our liability for death or personal injury caused by the negligence of us or our employees or for any liability which may not lawfully be limited or excluded. This policy is not a motor liability insurance policy within the meaning of Part VI of the Road Traffic Act This policy will be governed by English law, and you and we agree to submit to the non-exclusive jurisdiction of the courts of England and Wales unless you live in Jersey in which case the law of Jersey will apply and the Jersey courts will have exclusive jurisdiction. 12. You must contact the Emergency Centre and obtain our prior consent before agreeing or incurring any costs in relation to any incident which may be the subject of a claim. We will not accept liability for expenses incurred without our prior knowledge or consent. Please telephone us first. 13. If any fraudulent claim is made or if any fraudulent means or devices are used to obtain any benefit under the insurance, this policy shall become void and the premium paid shall be forfeited. Any benefits so claimed and received must be repaid to us. 14. You will be required to reimburse to us, within seven days of our request to you, any costs or expenses we have paid out on your behalf which are not covered under the terms of the insurance. Your information and what we do with it Putting your mind at rest You trust us to look after your personal information when you buy our products and we know we have a responsibility to protect this information. The details provided here are a summary of how we collect, use, share, transfer and store your information. For full details of our Privacy Notice, please go to privacy-policy or contact our Data Protection Officer at: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA or by ing thedpo@ageas.co.uk. For the following information only, please note that references to we, us or our refers to Ageas Retail Limited, your Broker, the underwriter and the product provider. Collecting your information We collect a variety of information about you, such as: your name, address, contact details and date of birth information about what and/or who you want to insure, such as vehicle details, named drivers, travel details and companions your claims and credit history any criminal offences information about your use of our website such as your IP address which is a unique number identifying your computer special categories of personal information (previously known as sensitive personal information ), such as details regarding your health. We also use a number of different sources to collect this information from, including: you or someone connected with you, as well as publically available sources of information like social media and networking third parties databases that have been made available to the insurance industry, as well as where you have given your permission to share information with third parties like us price comparison websites, if you have used them to obtain a quotation for a policy. Using your information We use your personal information to not only provide you with our products and services, but to better understand and predict your needs and preferences, so that we can continue to improve our products and services to give you insurance that is right for you. These uses include: providing you with services relating to an insurance quotation or policy, for example: assessing your insurance application and arranging your insurance policy including checking databases showing no claims discount entitlement and driving licence records managing your insurance policy including claims handling and issuing policy documentation to you.

6 Our assessment of your insurance application may involve an automated decision to determine whether we are able to provide you with a quotation and/or the price. If you object to this being done, then we will not be able to provide you with insurance. where we believe we have a justifiable reason to do so, such as keeping information about your current and past policies preventing and detecting fraud, financial crime and anti-money laundering carrying out processes such as research and analysis which may include computerised processes that profile you providing sales information to third parties (for example price comparison websites) so that we fulfil our legal obligations to them recording and monitoring calls for training purposes contacting you if you fail to complete an online quotation to see if we can offer you any help with this. Please note, if you have given us information about someone connected to you, you would have confirmed that you have their permission to do so. Use of your personal information when using our websites and communications When you visit one of our websites we may collect information which includes your and/or IP address. We may also use cookies and/ or pixel tags on some pages of our website. Useful information about cookies, including how to remove them, can be found on our websites. Sharing your information We share your information with a number of different organisations such as: other companies or brands within the Ageas group. other insurers, business partners, agents or carefully selected third parties providing a service to us or on our behalf. organisations that have a specific role laid out in law such as statutory bodies, regulatory authorities and other authorised bodies or where we have a duty to or are permitted to disclose your personal information to them by law. fraud prevention and credit reference agencies. third parties we use to recover money you may owe us or to whom we may sell your debt. other companies when we are trialling their products and services which we consider may improve our services to you or our business processes. Unless required to by law, we would never share your personal data without the appropriate and necessary care and safeguards being in place. Keeping your information We will keep your information only for as long as is reasonably necessary to provide our products and services to you and to fulfil our legal and regulatory obligations. Please see our full privacy notice on our website for more details. Use and storage of your information overseas Your information may be transferred to, stored and processed outside the European Economic Area (EEA). We or our service providers may use cloud based computer systems (i.e. network of remote servers hosted on the internet which process and store your information) to which foreign law enforcement agencies may have the power to access. However, we will not transfer your information outside the EEA unless it is to a country which is considered to have sound data protection laws or we have taken all reasonable steps to ensure the firm has suitable standards in place to protect your information. Dealing with others acting on your behalf We will deal with individuals you nominate, including third parties we reasonably believe to be acting on your behalf providing they are able to answer our security questions. For your protection though, we will need to speak to you, your legal representative, someone that you have specifically given us permission to speak to or a power of attorney should you want to change your contact address or policy coverage or cancel your policy. Your rights You have a number of rights in relation to the information we hold about you, including: asking for access to and a copy of your personal information. asking us to correct, delete or restrict or you can object to the use of your personal information. withdrawing any previously provided permission for us to use your personal information. complaining to the Information Commissioner s Office at any time if you object to the way we use your personal information. Please note that there are times when we will not be able to delete your information, such as where we have to fulfil our legal and regulatory obligations or where there is a minimum statutory period of time for which we have to keep your information. If this is the case, then we will let you know our reasons. MB-PW Jun 18